← Atlanticus Holdings Corp ATLC
Market Price
$102.49
Market Cap
$1.47B
P/E Ratio
17.20
Revenue (FY 2025)
↑51.2% YoY
$309.58M
3-Yr CAGR: 93.4%
Net Income
↑9.8% YoY
$122.20M
Net Margin: 39.5%
Free Cash Flow
↑35.4% YoY
$632.94M
FCF Yield: 43.04%
EPS (Diluted)
↑24.9% YoY
$5.96
Basic: $7.40
Return on Equity
Efficiency
20.1%
ROA: 403.7%
📊 Multi-Year Historical Performance & Trends
Financial Performance History
Revenue, Net Income & Free Cash Flow
Margins Trend (%)
Gross, Operating & Net Margins
Balance Sheet Strength
Cash, Debt & Equity
Cash Flow Generation
Operating Cash Flow vs CapEx vs FCF
📈 Year-over-Year (YoY) Growth History (ATLC)
All monetary values in millions ($M)| Fiscal Year | Revenue | Revenue YoY | Gross Profit | Net Income | Net Inc YoY | Diluted EPS | EPS YoY | Op. Cash Flow | Free Cash Flow | FCF YoY |
|---|---|---|---|---|---|---|---|---|---|---|
| FY 2016 | $68.4M | — | $48.2M | $-6.3M | — | $-0.46 | — | $39.0M | $38.7M | — |
| FY 2017 | $87.0M | +27.2% | $59.3M | $-40.8M | -543.7% | $-2.93 | -537.0% | $-25.5M | $-25.9M | -166.9% |
| FY 2018 | $5.6M | -93.6% | $124.0M | $7.9M | +119.3% | $0.56 | +119.1% | $42.9M | $41.5M | +260.4% |
| FY 2019 | $13.8M | +147.6% | $13.2M | $26.4M | +236.6% | $1.66 | +196.4% | $100.0M | $99.7M | +140.4% |
| FY 2020 | $15.4M | +12.2% | $500.4M | $94.1M | +255.9% | $3.95 | +138.0% | $212.7M | $212.0M | +112.6% |
| FY 2021 | $30.6M | +98.3% | $4.2M | $177.9M | +89.0% | $7.56 | +91.4% | $212.4M | $205.3M | -3.2% |
| FY 2022 | $42.8M | +39.8% | $0.8M | $135.6M | -23.8% | $5.83 | -22.9% | $346.1M | $341.3M | +66.3% |
| FY 2023 | $37.3M | -12.7% | $0.6M | $102.8M | -24.2% | $4.24 | -27.3% | $459.3M | $455.3M | +33.4% |
| FY 2024 | $204.7M | +448.1% | $44.5M | $111.3M | +8.2% | $4.77 | +12.5% | $469.4M | $467.6M | +2.7% |
| FY 2025 | $309.6M | +51.2% | $7.7M | $122.2M | +9.8% | $5.96 | +24.9% | $638.0M | $632.9M | +35.4% |
Valuation
Market Price
$102.49
Market Cap
$1.47B
Enterprise Value
N/A
P/E Ratio
17.20
P/B Ratio
2.55
FCF Yield
43.04%
Dividend Yield
N/A
Shares Outstanding
Profitability & Margins
Gross Margin
2.48%
Operating Margin
0.01%
Net Margin
39.47%
Return on Equity (ROE)
20.08%
Return on Assets (ROA)
403.74%
Asset Turnover
10.23x
Revenue 3-Yr CAGR
93.40%
Financial Health & Liquidity
Current Ratio
N/A
Cash Ratio
N/A
Debt / Equity
N/A
Debt / Assets
N/A
Cash & Equivalents
$621.09M
Total Debt
N/A
Book Value / Share
$40.26
Cash Flow Efficiency
Operating Cash Flow
$637.96M
Capital Expenditures (CapEx)
$5.02M
Free Cash Flow
$632.94M
OCF / Revenue
206.08%
FCF / Revenue
204.45%
FCF 3-Yr CAGR
22.86%
Per Share Metrics
EPS (Diluted)
$5.96
EPS (Basic)
$7.40
Dividends / Share
N/A
Book Value / Share
$40.26
EPS YoY Growth
24.95%
Balance Sheet (FY 2025)
Total Assets
$30.27M
Total Liabilities
$157.43M
Stockholders' Equity
$608.70M
Current Assets
N/A
Current Liabilities
N/A